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Checking Accounts

Checking Accounts designed for today's world.

Everything you need. And more.

You name it, our checking options have it. From 24/7 digital banking to Visa debit cards to a nationwide ATM network, we keep your money moving and your life on track.

Complete Checking Account

Your money when you need it.

eTeen Checking Account

Some cool features can help jump-start your financial journey

Courtesy Pay

We're here with your safety net

Overdraft Protection

Make your accounts look out for each other

Make quick purchases with a free debit card. Grab cash at ATMs from coast to coast. Pay bills with a few keystrokes. Deposit checks from anywhere. When it comes to managing your money, Complete Checking has just about everything - except a monthly fee.

  • No minimum balance 
  • No monthly maintenance fees*
  • Unlimited transactions
  • Register for uChoose Rewards to earn free points when you swipe and sign on your debit card purchases
  • Free Online Banking and electronic bill pay
  • Free mobile app and mobile check deposit
  • Free Visa debit card for online and in-store shopping
  • Access to a Coink Savings Account that can help you start saving with our debit card promotions


*fees could apply

Here’s what you’ll get with your checking account: 


Mobile Banking

Manage your Envision checking on-the-go with our user-friendly mobile app that allows you to pay bills, deposit checks, transfer money, and more.



Card Control

Envision checking includes zero liability fraud protection against unauthorized transactions and 24/7 monitoring to keep your money safe. Sign up is easy through your online banking dashboard. 


Debit Card Controls

Take control by turning your Envision debit card on and off as needed and setting transaction limits for added security.



Fast, Secure Sign-in

Login to mobile and online banking in seconds using fast and secure biometric authentication like fingerprint ID or facial recognition.



Financial Education

Access free financial education resources and get one-on-one guidance from finance experts to grow your money skills and become more financially empowered.


Earn Rewards

Get rewarded for everyday purchases when you open an Envision rewards checking account. Simply sign for your purchase at checkout and you’ll earn rewards on every transaction. 


Go Paperless

Monthly notifications sent right to your inbox

Learn More: eStatements Page

You can securely open a checking account online by clicking ‘Open an Account’ at the top of our homepage at

If you need more help opening a checking account, please visit an Envision Credit Union branch near you. All of our branch locations can be found here

To open a checking account with Envision Credit Union, you'll need to provide your government-issued photo ID, Social Security number, and an initial deposit ($25 minimum) when you apply in-person at one of our branches or on our website. 

Your 9-digit Envision Credit Union routing number and account number are located at the bottom of your checks. You can also access these numbers by contacting our Member Support team through the widget at the bottom of your screen. 

You can update contact information like your phone number, address, or email through online banking or by visiting any branch. For legal name changes, please come to a branch with appropriate documentation.

To activate direct deposit from your employer, provide your employer with your routing number and checking account number, which can be found at the bottom of your checks.

You can access your checking account through online and mobile banking on our website at or via the Envision Credit Union app (available on iOS and Android). Use your login credentials to view your account balance and transactions 24/7.

Details on our rewards checking program, including how rewards are earned and used, are available on the ECU Rewards page, located here. You can also call us at 850-942-9000 or ask in-branch.

Most Envision Credit Union checking accounts do not have monthly fees or fees for transactions like using an Envision ATM, online banking, or online bill pay. See our fee schedule for details on things like overdraft fees, money orders, wire transfers and more. 

Our complete checking accounts also offer unlimited deposits and withdrawals. 

Envision Credit Union is insured by the National Credit Union Administration (NCUA). The NCUA protects the money you have in a federally insured credit union up to $250,000. This is the same protection offered by the Federal Deposit Insurance Corporation (FDIC) for the money you might have in a bank account.